When you don’t have a steady paycheck, it’s easy to rationalize not needing a budget. After all, if you don’t have any money coming in, why should you worry about how you spend it? In fact, having a budget is even more critical when you don’t have a steady income. Having a budget allows you […]

For recent grads, leaving school brings a newfound sense of freedom, and with it comes a desire to make their own financial choices. However, early financial mistakes in the first few years can lead to long term debts that can damage a grad’s long term financial future. So as new graduates go off in to […]

In previous articles, we’ve talked about how a reverse mortgage can help seniors to draw equity from their homes. What many clients may not know is that when they apply for a federally insured reverse mortgage, it is a legal requirement that they complete a reverse mortgage counseling program with a HUD approved non-profit housing […]